If you’re looking for credit counseling to fulfill the bankruptcy law requirements, make sure you receive services only from approved providers for your judicial district. Check the list of approved credit counseling providers online or at the bankruptcy clerk’s office for the district where you will file. Once you have the list of approved organizations, call several to gather information before you pick one. Some key questions to ask are:
- What services do you offer?
- Will you help me develop a plan for avoiding problems in the future?
- What are your fees?
- What if I can’t afford your fees?
- What qualifications do your counselors have? Are they accredited or certified by an outside organization? What training do they receive?
- How do you keep information about me (including my address, phone number, and financial information) confidential and secure?
- How are your employees paid? Are they paid more if I sign up for certain services, if I pay a fee, or if I make a contribution to your organization?